LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,450
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$68,517
−HK$2,100/mo
Today · 4.125%
HK$70,617
baseline
▲ 0.50% · 4.625%
HK$74,914
+HK$4,297/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$141,234/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,925
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$75,908
−HK$2,011/mo
Today · 4.125%
HK$77,919
baseline
▲ 0.50% · 4.625%
HK$82,026
+HK$4,107/mo
Deposit HK$14.57M · loan HK$14.57M · min. income ≈ HK$155,838/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,238,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,740
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,220
−HK$2,520/mo
Today · 4.125%
HK$84,740
baseline
▲ 0.50% · 4.625%
HK$89,897
+HK$5,157/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$169,480/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,710
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,089
−HK$2,414/mo
Today · 4.125%
HK$93,503
baseline
▲ 0.50% · 4.625%
HK$98,431
+HK$4,928/mo
Deposit HK$11.66M · loan HK$17.48M · min. income ≈ HK$187,006/mo (50% DSR)
Upfront cash ≈ HK$12.90M (deposit + AVD stamp duty HK$1,238,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,030
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,924
−HK$2,940/mo
Today · 4.125%
HK$98,864
baseline
▲ 0.50% · 4.625%
HK$104,879
+HK$6,015/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$197,728/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,495
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$106,271
−HK$2,815/mo
Today · 4.125%
HK$109,086
baseline
▲ 0.50% · 4.625%
HK$114,836
+HK$5,750/mo
Deposit HK$8.74M · loan HK$20.40M · min. income ≈ HK$218,172/mo (50% DSR)
Upfront cash ≈ HK$9.98M (deposit + AVD stamp duty HK$1,238,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,610
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$123,330
−HK$3,780/mo
Today · 4.125%
HK$127,110
baseline
▲ 0.50% · 4.625%
HK$134,845
+HK$7,735/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$254,220/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,065
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$136,634
−HK$3,620/mo
Today · 4.125%
HK$140,254
baseline
▲ 0.50% · 4.625%
HK$147,647
+HK$7,393/mo
Deposit HK$2.91M · loan HK$26.23M · min. income ≈ HK$280,508/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,238,511 · Scale 2, in force from 26 Feb 2026)